When some individual made a fortune in the stock market, we have a tendency to assume that that was because he knew something, and of course the individual himself is happy to reinforce that belief - yes, I was a genius, or I was very clever, or I always said Microsoft was going to make me rich. But what you don't see are the thousands, hundreds of thousands, perhaps millions of people who are going, I always said that ABC company was going to make me rich, and ABC company went bust. Professor Zvi Bodie